u/miasulemie

Hi everyone,

I’m 20 years old and about to finish my apprenticeship. I’ll be starting my first full-time job in August and would like to start investing long-term.

My current plan looks like this:

• Pillar 3a: around CHF 600 per month, preferably invested rather than just in a savings account
• I’m considering doing my Pillar 3a through Saxo as well
• I’ll have around CHF 800 left each month for additional saving
• Out of that, I’d like to invest around CHF 500 per month into ETFs
• The rest would stay as regular savings / emergency fund

I’m unsure about Pillar 3a for this year. Since I’ll still be in my apprenticeship for 8 months and only start earning a proper salary in August, I’m wondering whether contributing to Pillar 3a in 2026 is really worth it from a tax perspective. My taxes probably won’t be that high yet. Would it make more sense to start Pillar 3a properly from January 2027, or is it still worth contributing from August 2026?

I also already have around CHF 2,000 invested in an MSCI World ETF through Yuh. I’m now considering doing my future investing through Saxo. Ideally, I would like to have both my Pillar 3a and my regular ETF investing with Saxo. Would you just leave the Yuh position there and start investing through Saxo from August onward? Or would you sell/transfer it and keep everything in one place?

For my regular ETF investing, I’m thinking of keeping it simple with 1–2 broadly diversified ETFs. What would you recommend for a long-term strategy? Something like FTSE All-World, MSCI World + Emerging Markets, or something else?

My main questions are:

1. Is Pillar 3a worth starting already from August, even though I’ll only have 4 months of proper income in 2026?
2. Should I just leave my existing ETF position at Yuh?
3. Is Saxo a good choice for both Pillar 3a and long-term ETF investing?
4. Which 1–2 ETFs would you recommend for a simple long-term portfolio?
5. Am I missing anything important?

My goal is to start early and invest sensibly, but without making things unnecessarily complicated. Thanks a lot for your input!

This is a rant so I spoiler it. I don't want to drag anyone down

I hate recovery.

I hate counting calories.

I hate that I “need” to stop exercising. I feel so unfit. I can’t even do push-ups anymore, and I used to be able to do 20. I feel like I need to start doing at least some home exercises with my body weight.

Running and going to the gym were what I loved. They were part of my personality. Everyone knows me as someone who goes to the gym and runs. People keep asking me how the gym is going, and they talk about me in the third person like, “She’s a runner.” But right now, I’m not doing anything. I feel like I lost my personality.

I hate not knowing whether what I’m doing is helpful enough.

I hate that I don’t know how much I actually need to eat — before recovery, during recovery, and after recovery.

I hate that HA hit me even though I was never malnourished or underweight. I was never deep into an eating disorder. I just ate a bit too little, maybe around 1600–1800 calories, while being very active with gym and running.

I hate that I probably already gained weight, and that I may need to gain more. And I hate that I even care so much. Why do I need to feel and look thinner?

I hate that I feel alone in this.

I hate that I know about calories. I wish I could live and eat without knowing what calories are. I wish I could eat without being scared that I might get fat again.

I hate that once I reach recovery, I probably have to eat less again.

I just hate that I’m in this situation. I feel like I don’t know my body at all. I want to be thin and toned while also being properly fuelled. I want to know that what I’m doing in the gym is correct, to see results, and to know that they come from working hard while eating well.

But I can’t, because I don’t understand my body right now. I don’t know my cycle or what menstrual phase I’m in. I feel like it will never be 100% good again. I feel like I will never be free from calories and worries. I feel like I will never just eat when I need to eat. I constantly think about food, about eating too much, and I plan my meals in my head all the time.

Will this ever end?

Will I ever be free from these thoughts?

And what I hate most is that even though I’m pretty sure I have HA, I don’t have an official diagnosis. I overtrained and underfuelled for my activity level. I lost weight over the last three years, and I never had any problems with my cycle since it started — until about a year ago.

What if it’s not HA, and this whole “all-in” approach is for nothing?

I just hate it. I hate being in this situation.

So first of all, is it necessary to visit any doctor regarding HA?
I've been to the gynecologist for the first time due to losing my period. We made blood test and an ultra sound. My endometrium is too thin and my blood work came out pretty ok, though some results were low. But when I mentioned HA she just looked kind of weird at me, explained what the hypothalamus is and didn't really go much into it anymore. I've been to her twice, she said twice "come back in 2-3 months if your period doesnt return. So should I maybe change to another gynecologist because it may be that she doesn't know much about it and there are others who know more? Or should I go to an endocrinologist, or GP?

Is it even helpful to go to any doctor? I mean they cant really do anything. I do not want to take any hormones to help it, I am "just" one year without a period, I can recover myself hopefully.

Okay this is very weird but lately I feel like I have so much more hair growth in my face. Like I have visible dark hair in the chin area / the area between chin and lips. Also on my nose wtf? Does it have something to do with my hormones ?

Hey guys. Today marks a month where I have been all in. Eating 2500 calories and no exercise at all, simply 10-14k steps. Spending more time with friends and family. Not restricting on sugar extremely (I still avoid it on my own but I will eat it if offered from friends and family). I don not feel like I see any symptoms, honestly I don't even know what I should look for. Can someone help me out a little bit, how would I notice that my period might be getting closer? Or how can I help my body a bit more? I know one month is a short period of time but I've seen that some got it back quickly after going all in.

Hey, I am in all in recovery for 3 weeks right now.
The last 2 weeks I felt great, literally no bloating. Before I would be bloated extremely.

Now I feel like its getting worse again. I feel so bloated today my belly is sticking out so bad I feel like a sausage in my pants bruh. Why does that happen again? Is there anything than can cause bloating again even though it got better?

Hi guys, so I am currently 2 weeks no exercise (I used to go run 3x and gym 3x, now I'm just doing steps) and 2500 calories. I won't exercise the whole may either. In June I will start hiking again every 2 weeks because the weather is getting nice. I thought about doing the stair master + lifting again to get back with my endurance and strength in general, maybe 3x a week but still not running. Honestly, will it affect my period bad if I ACTUALLY start fueling better around workouts? Like idk 500 calories more around my workout?

hello, my mom and i want to do beach holiday (all inclusive) at the end of October from 18. to 27th. how is the weather end of October? thx!

I’m currently insured with Helsana and paying CHF 395.30/month total (Telemed) at 19 years old, which honestly feels a bit high to me.

My current extras are:

* COMPLETA

* Hospital Eco

* PREVEA (illness + accident)

* Advocare Plus

I’m trying to understand what’s actually worth keeping and what’s more “nice to have”. I don’t really have major health issues, so I’m wondering which extras are worth it and which not.

What basic insurance / deductible model are you using in Switzerland, and which supplementary insurances would you genuinely recommend keeping?

Would also appreciate hearing which insurers people had good or bad experiences with regarding customer service and reimbursements.

I'm in all in recovery and I am gonna coninue for at least a month. But sometimes I question why I would need to do it because I never had any issues besides not having my period. So it kind of feels like I am just being lazy because I never had any problems with hair loss or all that comes with HA. Like obviously I know not having a period is not good and bad for your health. But ugh sometimes it feels stupid for me.